Pathfinder Bancorp, Inc. (PBHC) Quarterly Income Statement

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Pathfinder Bancorp, Inc. (PBHC) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

PBHC Income Statement

Pathfinder Bancorp, Inc. (PBHC) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21

Net Interest Income	10.71M	10.54M	10.34M	10.51M	11.56M	10.79M	11.32M	10.21M	11.58M	9.3M	9.27M	8.93M	9.92M	9.61M	9.89M	11.11M	10.72M	9.93M	9.42M	9.68M
NII Growth %	-7.31%	-2.38%	-8.64%	2.91%	-0.23%	16.03%	22.08%	14.41%	16.76%	-3.19%	-6.26%	-19.61%	-7.5%	-3.19%	5%	14.71%	10.51%	-1.99%	11.16%	23.7%
Net Interest Margin %	0.72%	0.71%	0.73%	0.74%	0.78%	0.72%	0.76%	0.69%	0.78%	0.64%	0.64%	0.61%	0.71%	0.69%	0.7%	0.79%	0.77%	0.73%	0.71%	0.75%
Interest Income	18.64M	18.07M	17.5M	18.29M	19.69M	19.16M	19.35M	19.36M	21.05M	18.84M	18.48M	18.1M	17.53M	16.5M	14.96M	14.95M	13.33M	11.65M	10.93M	11.14M
Interest Expense	7.93M	7.53M	7.16M	7.78M	8.14M	8.37M	8.03M	9.15M	9.47M	9.54M	9.21M	9.17M	7.61M	6.89M	5.08M	3.85M	2.6M	1.73M	1.51M	1.46M
Loan Loss Provision	231K	-155K	-168K	11.19M	3.49M	1.2M	457K	988K	8.97M	290K	711K	265K	833K	1.14M	692K	1.88M	710K	59K	102K	-1.04M
Non-Interest Income	1.4M	1.22M	1.33M	1.31M	1.55M	-1.5M	1.29M	1.42M	1.58M	1.16M	1.57M	1.33M	1.06M	927K	1.41M	1.96M	988K	1.09M	1.45M	1.26M
Non-Interest Income %	11.54%	10.41%	11.4%	11.11%	11.81%	-16.1%	10.23%	12.22%	12.03%	11.06%	14.45%	13%	9.65%	8.8%	12.47%	15%	8.44%	9.92%	13.32%	11.48%
Total Net Revenue	12.11M	11.76M	11.67M	11.82M	13.1M	9.3M	12.61M	11.63M	13.17M	10.46M	10.84M	10.26M	10.98M	10.54M	11.3M	13.06M	11.71M	11.02M	10.87M	10.94M
Revenue Growth %	-7.59%	26.51%	-7.44%	1.62%	-0.49%	-11.12%	16.34%	13.39%	19.92%	-0.73%	-4.09%	-21.46%	-6.25%	-4.38%	3.98%	19.45%	5.42%	-3.81%	8.68%	16.33%
Non-Interest Expense	9.35M	8.66M	8.89M	9.15M	8.94M	8.06M	8.43M	4.9M	9.99M	7.68M	7.42M	6.83M	7.38M	6.89M	7.26M	7.24M	7.04M	6.89M	7.05M	6.99M
Efficiency Ratio	77.25%	73.66%	76.22%	77.39%	68.21%	86.71%	66.89%	42.08%	75.85%	73.39%	68.48%	66.54%	67.21%	65.4%	64.28%	55.42%	60.09%	62.55%	64.86%	63.94%
Operating Income	2.52M	3.25M	2.94M	-8.52M	672K	38K	3.72M	5.75M	-5.79M	2.49M	2.71M	3.17M	2.77M	2.5M	3.34M	3.94M	3.96M	4.07M	3.72M	4.98M
Operating Margin %	20.84%	27.66%	25.22%	-72.07%	5.13%	0.41%	29.49%	49.43%	-43.97%	23.84%	24.96%	30.87%	25.2%	23.78%	29.6%	30.17%	33.85%	36.92%	34.2%	45.56%
Operating Income Growth %	275.45%	8460.53%	-20.84%	-248.17%	111.61%	-98.48%	37.45%	81.53%	-309.22%	-0.48%	-19.11%	-19.61%	-30.2%	-38.42%	-10.01%	-20.91%	-10.11%	4.98%	35.57%	153.07%
Pretax Income	2.52M	3.25M	2.94M	-8.52M	672K	38K	3.72M	5.75M	-5.79M	2.49M	2.71M	3.17M	2.77M	2.5M	3.34M	3.94M	3.96M	4.07M	3.72M	4.98M
Pretax Margin %	20.84%	27.66%	25.22%	-72.07%	5.13%	0.41%	29.49%	49.43%	-43.97%	23.84%	24.96%	30.87%	25.2%	23.78%	29.6%	30.17%	33.85%	36.92%	34.2%	45.56%
Income Tax	454K	585K	530K	-1.47M	46K	7K	744K	492K	-1.17M	481K	532K	590K	573K	530K	669K	383K	772K	780K	721K	1.09M
Effective Tax Rate %	17.99%	17.98%	18.01%	17.29%	6.85%	18.42%	20.01%	8.56%	20.26%	19.29%	19.67%	18.62%	20.71%	21.16%	20.01%	9.72%	19.48%	19.17%	19.4%	21.95%
Net Income	2.07M	2.67M	2.41M	-7.05M	626K	31K	2.97M	3.91M	-4.64M	2M	2.12M	2.54M	2.18M	1.98M	2.6M	3.53M	3.18M	3.27M	2.95M	3.88M
Net Margin %	17.09%	22.69%	20.68%	-59.61%	4.78%	0.33%	23.59%	33.58%	-35.27%	19.12%	19.56%	24.71%	19.82%	18.81%	23%	27.02%	27.15%	29.69%	27.15%	35.47%
Net Income Growth %	230.51%	8506.45%	-18.86%	-280.39%	113.48%	-98.45%	40.28%	54.06%	-313.42%	0.91%	-18.43%	-28.16%	-31.57%	-39.43%	-11.9%	-9%	-5.5%	8.74%	36.95%	99.43%
Net Income (Continuing)	2.07M	2.67M	2.41M	-7.05M	626K	31K	2.97M	5.26M	-4.62M	2.01M	2.17M	2.58M	2.19M	1.98M	2.67M	3.56M	3.19M	3.29M	3M	3.89M
EPS (Diluted)	0.32	0.42	0.38	-1.11	0.10	0.01	0.41	0.69	-0.75	0.32	0.34	0.41	0.35	0.32	0.43	0.58	0.52	0.54	0.49	0.64
EPS Growth %	220%	-	-7.32%	-260.87%	113.33%	-98.44%	20.59%	68.29%	-314.29%	0%	-20.93%	-29.31%	-32.69%	-40.74%	-12.24%	-9.38%	-7.14%	8%	36.11%	93.94%
EPS (Basic)	0.33	-0.00	0.39	-1.12	0.10	0.01	0.48	0.69	-0.75	0.32	0.34	0.41	0.35	0.32	0.43	0.58	0.52	0.54	0.49	0.64
Diluted Shares Outstanding	4.95M	4.92M	6.26M	6.35M	4.77M	4.76M	4.75M	4.73M	4.71M	4.71M	4.7M	4.69M	4.67M	4.64M	4.61M	4.58M	4.56M	4.55M	4.54M	4.52M